b.Size of Houses

The last part is here:   Exploration - Town Planning

I just visited Malacca Jonker Walk. Inside there, there were many Peranakan houses. The houses were very long. Usually each house has at least 2 air wells. Two houses were linked back to back with a toilet separating them. I truly wondered how they can clear their shit during shit clearance. My estimate is that they are about 130 ft long and 25 ft wide. Their staircases are unique and rather decorative. At the top of the stairs, it was normally sealed by closing a hatch. In a few occasions, these houses are combined into 50 ft wide or even 100 ft wide.

I have a theory.

Each lot in the white land is usually 50 ft x 140 ft. It usually has a single dwelling house, built-up is usually 1,600 sf (one or two storey). Some have 2 lots side-by-side, i.e., 100 ft x 140 ft. So I guess the fucken definition of 15,000 sf as a good class bungalow is referring to these double lots.

When these single lots are divided into 2 x 25 ft x 140 ft. This becomes rather tiny. So they built them into linked houses. Peranakan houses fell into this class of dwelling.

It is extremely uncomfortable if the dwelling house is made up of 2 storeys. So it should be considered that a proper dwelling house must not have stairs.

When the double lots expand further into 200 ft x 140 ft. It is about slightly more than 1/2 acre in land size. I would consider this house as ordinary. A properly sized single-storey dwelling house can then be built.

I, on the other hand, am interesting in building - 四合院. I would like to emulate the great court of Trinity College, Cambridge.

The Great Court Run 
Great Court, with (from left to right) the dining hall, Master's Lodge, fountain, clock tower, chapel and Great Gate The Great Court Run is an attempt to run round the 400-yard perimeter of Great Court (approximately 367 m), in the 43 seconds of the clock striking twelve. Students traditionally attempt to complete the circuit on the day of the Matriculation Dinner. It is a rather difficult challenge: one needs to be a fine sprinter to achieve it, but it is by no means necessary to be of Olympic standard, despite assertions made in the press. 

It is widely believed that Sebastian Coe successfully completed the run when he beat Steve Cram in a charity race in October 1988. Sebastian Coe's time on 29 October 1988 was reported by Norris McWhirter to have been 45.52 seconds, but it was actually 46.0 seconds (confirmed by the video tape), while Cram's was 46.3 seconds. The clock on that day took 44.4 seconds (i.e. a "long" time, probably two days after the last winding) and the video film confirms that Coe was some 12 metres short of his finish line when the fateful final stroke occurred. The television commentators were more than a little disingenuous in suggesting that the dying sounds of the bell could be included in the striking time, thereby allowing Coe's run to be claimed as successful. 

One reason Olympic runners Cram and Coe found the challenge so tough is that they started at the middle of one side of the Court, thereby having to negotiate four right-angle turns. In the days when students started at the corner, only three turns were needed. 

Until the mid-1990s, the run was traditionally attempted by first-year students, at midnight following their Matriculation Dinner. Following a number of accidents to drunk undergraduates running on slippery cobbles, the college now organises a more formal Great Court Run, at 12 noon on the day of Matriculation Dinner: the challenge is only open to freshers, many of whom compete in fancy dress.

The lawn is about 2 acres in size. Very manageable.

A nice 四合院 has always been my dream.

b.Return on Capital

The last part is here:   Return From Powerful Retreat

During my most recent sabbatical, I have learned one very important point:   Return on Capital is vulgar only if there are restrictions to the game. Otherwise, it is very normally grim.

Some of the investments I have gotten has a return of 5-8 years. To achieve such a great return requires lots of finesse. I must say it was a cooperative effort that came out very fine. The return on capital was stable and non-volatile. The sums involved were also not very large, mostly manageable bite-sizes, which is great for piece-meal engagement.

Even the coming restaurant share investment is also rather bite-size. So it would have made my original premise of not borrowing from the bank possible.

Now is summer time, the land deals in white land is stiff. Summer time is a time where deals are struck as they were able to see and feel their purchases. Speaking from experience, I always without fail would fall in love with the properties I visit. I used to scold Chrysanthemum about her falling in love with the properties she visited. Truly I was no better. So I would give it a short break. Come winter, the deals would have sweetened themselves. Why? In winter, people are less like to travel. If the sellers are desperate for cash, the deals would be better. Now in the shopping malls, more stores are closed and not replaced. Frequently, these voids were not filled till a year later. It is very painful for the whites. Recently they reopened the flooding gates for more immigrants, hoping to reduce their pain.

As the word implies, I am currently torn between investing more cash into businesses or fixed assets. A fine balance is needed. With the recessionary pressures at their greatest, fixed assets are burning and great deals are everywhere. I am simply spoilt for choice. But, business investments must still have to be ongoing, else these businesses will take forever to fruit.

I am holding 50-50 view over the two investment choices.

People management

This remains extremely tricky to me. Most of the people I engaged were cunning and useless. But, therein lie a few gems. These gems interestingly did yield an overall benefit. Just one gem would have make up for the lost time and money invested in 10 other useless assholes. So it is quite profitable. Just be wary of unusual leeches. They come in all shapes and sizes.

g.Emotionally Tested Full Throttle

The last part is here:   Land - Another Worked Example

Tiramisu Queen just told me every one of her ex-boyfriends from year 0 and how she rejected each of every one of them. I wondered what was the intent?

Maybe it was based purely on friendship or was there something more sinister?

Emotionally I am fully drained. I am not interested in a new relationship. In the past, I was hurt too many times. Maybe it was fully my fault, maybe not or shared half-half. I don't really wish to recall.

Too many have left me due to factors that are not emotional. Of course, I was saddened by this, but what to do? Life still need to live. I still need to work and eat.

To sweeten the deal, Tiramisu Queen has promised me a small share in her new huge restaurant in white land that she bought cash. In that fuckened little island, another also proposed giving a half-share of an apartment. In yet another instance in a bigger island, she suggested that she will nurse and feed me for life. So many indecent proposals, I really wonder if any one of these cases can be more emotionally driven as compared to the dollar sign? In short, I also got feelings wan, you know!

As an old fucken, I guess I am no longer young. I can't choose as well as before. But, when I was younger, I did have huge freedom of choice. In the end, I am still a poor fucken and fully fuckened by gals around me.

As a starter, Tiramisu Queen suggested that I throw away all my current sweet young things before engaging her. This was not the first time she tested me. I swallowed hard. She is clever, wor. She claimed that sweet young things are heartless persons and none of these sweet young things will grow old with me, wan. She asked me not to be so silly. As I am no longer young, what I need now is a powerful sugar mummy. Well said. No mincing of words. She has 6 houses, 3 apartments, 1 bungalow and a chained stores.

I guess I need to sleep and fight another day. This world is so well placed with honey-traps. My reputation as an independent businessman is now fully at stake.

a.The Generations Game - A Worked Example

The last part is here:   Capital - How did It All Begin

The news is here:   Penang Monthly - Migrate for What

A short excerpt:

... For migrants who came to Australia back in the 1960s, the 1970s or even the 1980s, their decision to migrate would have benefitted them much more than if they were to do it today. Back in those days, Malaysia was still not adequately developed, modernised and industrialised. Foreign direct investments, education and infrastructure were definitely a far cry from today’s standards. Particularly for the average Malaysian professional, his or her work would have been much more richly rewarded in Australia than back home.

If a Sudanese or Afghan were to migrate to Australia today, then I can say with almost absolute certainty that their lives will be better off. But today’s Malaysians had better think twice. Jobs are moving in big numbers from Australia to Asia; Australian educational institutions are failing many of their own students, with many schools (even public ones) turning to attracting more students from China, Korea and other Asian countries for financial reasons; drug-related crimes and schoolyard bullying are becoming more rampant; and the total cost of income support (i.e. welfare) payment has now (as of 2014) topped A$70bil a year. 

These trends and developments are here to stay, and the shift of fortune from the West to the East is an irreversible one. Investor Jim Rogers frequently remarked that if you were smart in 1807, you would go to London, if you were smart in 1907, you would go to New York, but if you were smart in 2007, you would go to Asia. (In 2007, Rogers moved his entire family to Singapore.) 

So I wonder, why on earth are we still leaving Malaysia? What are we actually running away from? While most of us think that we are running away from some potential or real political threat, the actual fact might well be that we are running away from some real lifetime opportunities! With market saturation and an ageing population in the EU, US, Australia, New Zealand, Japan and China, the Asean region, with its population size, relatively young median age and richness in natural resources, is poised to grow like never before. ...

Interesting read. These people are still trying to time the market.

There is no such thing as timing the market. One would get lucky once a while. Just like in the casino, one can ride a 25-times BIG roll of dice. But, the curtains would fall one day, the dice would go the other way. Every great city would meet its demise, so would one empire.

If one must time the market, then if one judges that there is no hope in a turn-around. Just pack the bags and move. Which is true in the case of that fuckened little island. No resource, no future, no intelligence and still dare to suck my cock. Disgusting.

10 years is too short an example to a generations game. Even 20 years, my acquaintance is planning to return to her ex-home country. I am not helping her to stay even if I am just new to the game. Why? Too frequently mere acquaintances take dim looks of new immigrants. They felt that the new migrants must feed the older migrants or the older migrants feeding the locals, otherwise, the locals would have voted the government-of-the-day out. I am into packed hunting. Not only in business, also in gals. Co-operation is a powerful tool to deploy.

Let's take a look at Australia's opportunities (I am a blur-fuck in Australia's opportunities, but I am willing to try understanding her from the outside):

• Cities - Her cities are not as crowded as the Asian's, hence, they stand a great chance to win if one is early. That fuckened little island did talk about famous katong laksa. Overnight 4 stores competed in the exact same location for the customers. Today only one left. Dense cities are not for the faint-hearted. Try your hands in Chinese cities, one would be eaten whole without much of a second glaze from the predator's neighbours.
• Glass Ceilings - Of cos there are glass ceilings. Tell me frankly, how many non-Chinese dine in Chinese restaurants here and overseas. Zero! How many Japanese or Koreans can one spot in a Chinese restaurants? Please. How many non-Chinese staff can one see in a Chinese restaurant's kitchen? The conclusion: Every business are owned and operated by their kinship, make no mistake. Even in my work, I employed no non-Chinese even though all my work involved the whites and white agents.
• Property Investments - White properties are way cheaper but appreciate much slower. First, one must start with a house home. After that, investment houses for passive returns. After that, lands for long term potential. Malaysian properties are super nice. I can't finish enjoying each of them. But, so are the white properties.
• Businesses - Not easy to start but once started, it is easy to sustain. 30 years is a good investment.
• Employments - Nothing wrong with that. But one needs to start young. If reach the white shores at 40-50yo, then be prepared to reinvest the money that one's gotten or ill-gotten from ex-home country to plant the first seeds.
• Back Doors - I always keep a back door for myself. I am still fully invested in the ex-home country and her neighbours. I am still doing passive incomes from each and every asset in my command. Over time, these assets might deteriorate due to lack of care. Minding them occasionally will bring them up once more.
• Generations Games - Bring forth the next generations to fulfill key business positions in the own business structure. Let them fail and guard them to better success than the parents.
• Intellectually Dumb - There is a need to be intellectually dumb. Never question why but just do the jobs. In the Malaysians' case, they allowed their anger for lack of opportunities in their ex-home country to cloud their visions. They like to do total in and total out. Yes. Total in and total out are grand moves. These are showy steps. Admired by all. But, yield very little results. The mantra is Things Take Time.
• Education - Educating kids are not the job of the school but that of the parents. There is no such thing as good school but good parenting.

It is easier said than done. But, that's what generations game is all about. Very slow. Very unfortunate. Very disgustingly degrading. But, one will find the footing soon enough. Evreywhere I see, as long as you are 30yo immigrants, you are alright. So be brave and stick to the original game plan. It is not that hard. Be early and smell the rose.

I do understand why muds left mudland due to the madhatter. Now that with ahJip kor in charge, things are super rosy. People are now tempted to return. Nothing wrong, just be invested in both countries lor. Better, globally. One can never tell when is the next mass exodus.

Yes. I finally got it. There is indeed a timing issue in the generations game, i.e., be early. Wow ... what a revelation. But, 30 years can recover this mistake, i.e., once you reach 30 years in migration, you are classified as early. Nice.

Always remember that fuckened mafia boss was a Baba-Nyonya. So don't play with him on that little island, now that he is strong. Wait for him to go, then replay the generations game again lor. One has all the time in the world lah. Do battle using extended families mah.

p.The Nice Path Ahead (Next Part)

The last Part is here:   The Nice Path Ahead

The acquaintance mentioned before this essay gave me a food treat. I rejected. She suggested that if I ever needed anything, please feel free to ask and it shall be complied. I smiled.

In the past, I have spent hundreds if not a couple of thousands on her to please her. In exchange, I asked for occasional favours. But none of these favours asked were returned. Every one of these favours was non-monetary in nature. Sad. She made a final attempt on me and said she would be leaving for her ex-home country for good. She has burnt 20 years of her stay in white land, achieving nothing. I am sorry that I couldn't help her. She is beyond help. I can't teach her how to suck eggs. Her path is hers alone to choose. I don't wish to help.

The time has come for me to say goodbye to this unwanted relationship. She talked for hours on end. Her companion even claimed that the relationship could go on if I choose to. I just smiled with no facial expression. I am indeed a poor actor or was it that I am just plain lazy.

Another acquaintance just popped up to meet me at 500 km from his place. He will bring along resources to help me to manage my work. No question asked about compensation. No hint of extracting favour from me. This is called a true friend. Not because I received unasked favours but a friend don't question return but just do them. There is still hope in mankind.

Tiramisu Queen as usually gave me a dangerous look. She claimed if she had met me earlier in her life. Her life would be so different. I smiled. My intensive pheromone perfume worked. I was expected to say something but I resisted. Chrysanthemum gave me one tight slap on my face and said I should not be ambivalent about relationships. Women are like cats, they clawed their ways around.

Noticing that I was quiet thereafter, Tiramisu Queen offered me to buy a small share in her newly setup lucrative restaurant.

I guess if I can please a gal enough, she will feed me food.

I felt so blessed.

p.The Nice Path Ahead

The last part is here:   p.Show - 衣锦还乡

I am loving every moment of this.

A get-together with an acquaintance yielded that he was very angry. He had spent 20 years of his life in white land. He is now just an odd-job labourer with some small licensing ticket in white land. Of cos, he has a small house to boot. He has achieved this house purchase through his hard work in his previous home country. He told me that during his more tender years, he did not listen to his seniors before him. They have suggested to him businesses that might have worked for him in white land. He did not listen to them. He claimed he was stubborn. He explained to me that all my current projects are too big and too wide-spread. He don't believe I will ever succeed. His tone was bitter.

I smiled.

He told me nothing. Being my senior, he taught me nothing. I never did expect anything for free. But, since he taught me nothing and has no cash, I can't be serious with him.

But of course, during his earlier encounters with me, he has hoped to find some common projects to play with me.

But he played me out time and time again over small test matters. I don't trust anyone who failed my little tests. I have no spare cash to lose. Hence, the little tests. I am cunning and extremely careful about who I want to go to bed with. I then blocked all entrances to my projects. I gave him no hope.

He is now very, very angry. Angry that he made no head ways in white land. He is now angry that he has spent 20 years of his youth in white land achieved nothing. Not even one extra house in his name. The current house that he stayed was purchased with funds from the sale of his own house back in his ex-home country. He is still under heavy mortgage. His entire 20 years did not yield a single additional house. In fact, he harbours the thoughts of returning to his own ex-home country for good.

He has no true friends. In fact, he has none that I know of. Why? One asked. It is simply because he was never a true friend to boot. He don't help others from his own heart and he expects others to help and pay for him. Such leecher can't hope to have true friends to die for him.

He is now extremely angry. I did not offer any projects for him to play as I don't trust him at all. I told him that all my projects are deadly expensive and takes forever to reach fruition. Yes. He then answered his own question by saying he and I don't have many more 10-years to game.

Yes. I did misinform him on the progress of my projects. Yes. I did not give hope.

My Comments:

In all battle planning, one needs to address the negativity raised: The long gestation of my projects and the thin-spread of my investment capital.

Contrary to common misconception, I did have a very strong business type that I draw my strength. This business type currently carries the full load of my income. Right now, due to my slightly lack of attention, it has weakened slightly. I have to refocus on it to get it up again. My discussion with my business partner yielded that this business type did have a limit and we have to address it. It was based on this limit that I need to diversify to more business types. But, each business type investment need at least 10 years to fruit.

The ultimate game as we all know is land and lesser extent, properties. Every business type is meant to achieve land ownership. It is with land ownership that one can be confident with one's future. In fact, I have achieved far more unencumbered land mass than most now.

The thin-spreading of the investment capital is intentional. Since I am able to poke my finger in every pie, why not? This thin-spread will allow me to have very low exposure to any one investment type. Hopefully I won't cause jealousy in any one I encounter. 

I still want my peace.

I am water. I flow into every crevices of the mother nature. I may not be able to enjoy the full fruit during my physical life, but I am sure those that take over me will finally find peace and serenity.

I may be wrong in spreading the capital too thinly. But, I am truly enjoying myself. So I am kind of stuck in thinking otherwise. Let time be my ultimate guide. I never had so much now than before. Before I was battling with uncertainty. Now, every asset is acquired with pure cash, I sleep well every night. Yes. There would be storms ahead of me. Yes. There would be uncertainties. But, with my unyielding hardworking hands, I believe I can brave all fears.

When the last leaf falls ...

b.Land - Another Worked Example

The last part is here:   Bank Lelong (Auction)

I had a very interesting conversation with Tiramisus Queen today. As mentioned before, she came to white land for a good 30 years. She now owns a nice little chain of stores and lives in a huge bungalow. She just bought 4 houses priced around $400k each last year, with down payments ranging from 20% to 35%. Her instalments are less than $1k monthly each but rented at $2.5k or more, giving her a net cashflow position of $1-$1.5k each each month all the time. Now she is intending to let go if needed at $500k or more to the right buyers. She already had the buyers. She said that with these positive cashflows, she can steam-roll for more.

A recent discussion with a blood relation yielded that she might go on doubling up, which will increase the risk much more. 

The return-on-investment (income over capital)  is $2.5k x 12 / $400k = 7.5% or 13.3 years to recover the full capital. Hehehe ... even my worst performing properties took only 8 years or less or 12.5% or more. The only difference I don't gear, hence, I have less flexibility in property types. Because I am so cheapo, my investments normally double in less than a year.

She was sad that at my age, I am still working on my primary businesses. Each of my businesses are uncertain and takes at least 10 years or more to fruit. It is too slow. She suggested instead why don't I be like her and join her to invest in properties in white land. She said it is easy and she trusts me. I smiled.

I am very happy for her.

Hehehe ... She didn't realise that for the better of 30 years she had slogged hard and quiet. She cried every single phone call she made to China. Now I felt that she needed to show to the world that she has indeed arrived. Well ... she did arrive. I am very happy for her.

My Comments (This is not meant to degrade her investment returns, but rather to debate the other side of the same coin):

• Gearing:   This is one very important lesson. In a booming market, all is well. But, once it fails, say 1986, 1997 or 2008, all must die. The rental will disappear. The fire sale by bank is 20% of its original value. Why I know, you asked? Well ... I was at the receiving end in a not-too-long-ago past.
• Margin:   Every time one trades, there are commissions and legal fees payable. That's why although I did made quite a killing in the stock-and-shares booming market, I lost much more on the way down (The house (brokerage) always wins).
• Buying New:   Almost all honkies, fuckies, mudlanders or chinamen love to buy new properties. The margin of error is very low indeed as compared to buying oldies. Only buying oldies can give a capital-return of 5 years or less.
• Bank Loan:   Banks are never our friend. They are vicious. As long as there are economic growth, notice they make record profits. How can a bank always make record profits from loans alone. These record profits must come from the loan repayments. Who? Us !!! How can we give record profits to the banks? If we give record profits to the banks, we must not be making record profits ourselves. It just can't. Some may argue unless we make record profits ourselves, else we can't give record profits to the banks. True. If we too make record profits, it must therefore comes from the tenants. If the tenants give us record profits, then they must not be making record profits themselves. What if the tenants make record profits too in order to give us, the landlords, record profits. It must then come from consumers. Somewhere somehow would not be making record profits in order that the others may make record profits. This is definitely not sustainable. Sad.
• Boom-and-bang:   Every boom must end with a bang and vice-versa.

Every investment strategy has its pros and cons. I, for one, am willing to fore-go super growth in portfolio with super safety in my porfolio. Very slow and steady as like a tortoise. A hare race is too much for my blood pressure and sleepless nights.

How about deploying a middle-of-the-road strategy? By gearing at 50% (i.e., loan from bank at 50% loan quantum)? No way, the recession bites normally at below 50%, the banks would force-sale at 20% of the original value. There is no escape. Better don't try.

p.Kiyosaki's little Cashflow Game

The last part is here:   Many a Big Project

Let me do some advertisment today. There is no intention to promote or dismiss him. This is only my opinion of what's good for a guy.

I have tested the android Cashflow Game by Kiyosaki.

He was made famous and very rich by his book, "Rich Dad, Poor Dad". If you want to read more, just google him.

In the game, the goal is to make financial freedom by making the passive income exceeds expenses. For a lowly-paid guy ($3,000-$5,000), it usually takes about 70 turns to be financially free (i.e., 1.5 years). For a higher-paid guy ($8,000-$10,000), it usually takes about 100 turns to be financially free (i.e., 2 years), which is nonsensical. No one can achieve financial freedom in 2 years. Fuck! Also, a highly-paid guy will find financial freedom way faster. His expenses may have been higher but he is way more capable and have great lifestyle.

Here are my observations:

•  Final Cash Position:   At the end, it doesn't matter how much, a guy has in his bank account, as long as his passive income exceeds his expenses, he stops. With a strong final cash position, one can easily buy any cashflow assets.
• Stocks and Shares:   I didn't bother about investing in stocks and shares. I think they are bullshit.
• ROI:   The ROI calculation was too simple. It simply calculated the return-on-investment, simply by dividing the income with initial investment. It was not a good indicator/assessor of good returns. If one pays, 5% down. The ROI would be greater than a 10% down.
• Risk:   This was one of the worst areas. The game only allows 5-10% down payments. The rest are bank-loans. This is very dangerous. If the asset goes more than 5-10% down, the bank is going to recall the loan as the asset is not giving a good cover to their outstanding loans. In financial downturns, one would lose the rental income too. If these properties are on loan, one would be 冚家鏟!

Overall, the game was too simplistic. But, maybe this was intended as a game for newcomers new to the investment game and the broad idea behind passive incomes. If that was the intent, then the game did serve its function.

My Comments:

• Cash Purchases:   I am still a fan of cash purchases. I simply hate leveraging. I knew many people leveraged and won big time. But, I am also knew of many more, myself included, to have lost big time. Call me a chicken, call me once-bitten, twice-shy. I am not playing the leveraging game ever. Even credit cards are shunt, because it will eat greatly into the cashflow. If no ready cash, just spend less.
• Property Game:   It is a very long term game. It will stretch 20-40 years, if on bank loan. During this period, there would be multiple financial calamities that one has to face. Please don't tell me that you are too smart and are smart enough to avoid them. One may be able to avoid one, but multiple, I sincerely doubt.
• Stocks-and-Shares:   Please stay far far away.
• Intellectual Businesses:   Very hard to start and very hard to sustain, although it is very cheap to begin in one. In fact, Kiyo suggested working for big companies and grow the passive income from the active income earned. Business-building is for the extremely brave.

b.Many a Big Project

The last part is here:   Longevity Businesses

I have been questioned by a blood relation:   Have I spread myself too thin involving in so many huge projects?

The answer is NO. I have too much unspent energy. So much so that not every project occupies my entire time. During the gaps, I have to fill it with something. The best part is that the projects I needed them to move quickly frequently ended up the slowest and don't really eat up too much of my time. For those unexpected progresses, they usually yield very pleasant results. For the unexpected delays, because I don't borrow, they normally ended up okay by a mile. Some things are best handled in slower time cycles.

Take for example:   I took a long road trip up to the Siam border. The key performance indicator is I should take notes on the swiftlets' paths. Along the way, I reviewed both housed properties and vacant lands. Based on common assessment, running a birdhouse is more challenging than buying a human house. I need to source for proper birdhouse plans before I can build and hope like hell I can harvest. Since this birdhouse project needs further discussion on expertise requirement. I have no choice but to hold it back till I can get a better visibility.  Luckily I do review houses along the way. The purchase of human houses now taken a forefront. This showed how fun it is to have multiple concurrent projects. Just when I thought human houses are boring, they jumped started my fun. Now these houses can be purchased and minimally fixed and immediately rentable. Why? You asked. Well, my earlier house purchase was finally fixed after one solid year. Immediately I had neighbours plying my door everyday asking me to release the rental unit to them. They don't mind negotiating on the rental once I am okay to rent. My investment has started returning immediately. What a fun way of employing cash. In very short years, my capital would have returned completely, with free freehold properties in my name.

Cashflow Android Game:   I just replayed the Kiyo's little game. His premise is that one should invest in cashflow property game as soon as possible. In normal times, this is a perfect game plan. But, one has forgotten that every 10-20 years, there would be a tsunami playing one's ass. Since this game plan takes at least 20 years to realise, one's ass would have been torn to bits. So it is not easy to win in this cashflow in a simpleton manner. I played the game by trying to buy properties cash. Kiyo punished me for being conservative and slow to react. Next I buy only properties that have at least 50% returns. Again Kiyo punished me by giving very slow cycle returns. If by simply playing kiyo's cashflow game, one gets ahead, then truly there would be no more poor bastards.

p.Return from a Powerful Retreat

The last part is here:   Longevity as Religion

A good Taiwanese show:   世界第一麥方

I cried while watching this show. The Taiwanese got it right. If one is stupid, one can only stupid stupid follow the way laid down by the teacher. By going along the narrow straight path, only then one day, one will see the true way. I have always been stupid.

I have gone for a 3-month retreat. I have fully rejuvenated and now I am ready to go at it again.

Many things and concepts have changed over the 3 months. I am humbled by the experience.

One most important concept I have learnt is the FLOW. If that fucken little island has no more opportunities, you can beat yourself to death, you will still not have new opportunities.

Therefore, build that bridge urgently. That's why there are so much emigration going on. Humans are not stupid.

Just today, a very old man talked to every air hostess on the flight making smart lewd remarks. He lived in white land for 35 years and he was smirk about his happiness. These air hostesses shunted him like a flea dog. Obviously he has made it well in white land by being early in the generations game. But, to what ends, by irritating every air hostess for free drink is not the way. I guessed he showed no sexual powers, hence, the gals are not keen to fuck him. One has to show sexual powers if one wants to date the young things. Smart lip service won't help.

On an important note:

I want to thank Chrysanthemum for her unwavering trust in me. In reality, I was rewarded with unbound freedom. This freedom opened my eyes to a world of opportunities.

She showed me a piece of 200-acres freehold land in Borneo that is selling for RM$1.5m that foreigner can buy. I am happy for her.